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United Bank of Union
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Checking Accounts

United Bank of Union Checking Account Options


United Bank of Union offers a variety of checking accounts and services to fit your individual banking needs. Open an account online, or visit any United Bank of Union branch and talk with an Account Services representative about what options fits you best.
 

All UBU Checking Accounts include: 

 

 Signature  Seniority* College Teen Difference** Second Chance^ Money Market^^ 
Age 18+ 55+ 18-25 13-18 18+ 18+
Opening Deposit $25 $25 $25 $25 $25 $25
Interest -- Avg>$500 Yes Yes -- Yes
ATM Card Available Available Available Available Available Available
Debit Card Available Available Available Available Available Available
Debit Card Limit $1,500 $1,500 $1,500 $200 $500 $1,500
Check Writing  Yes Yes Yes -- -- Yes
Overdraft Protection $300 $500 $300 -- -- $1000
Electronic Statements Available Available Required Required Available Available
Online Bill Pay Available Available Available Available Available Available
Monthly Service Charge $4.95 -- -- -- $7 --
Special Features 
No monthly service charge per statement cycle if you sign up for e-statements or have 10 posted Debit Card transactions
Discounted Checks.
Free Money Orders.
Free Cashiers Checks.
Free Copies. 
If Average Balance is $500 or more, you may receive up to $18 in Foreign ATM Fees refunded per statement cycle.
 Up to $18 in foreign ATM fees refunded each statement cycle if you have at least 10 Debit Card Transactions and log into Online Banking at least once per statement cycle. Up to $18 in foreign ATM fees refunded each statement cycle if you have at least one posted deposit per statement cycle and access Online Banking at least once per statement cycle.
Online Bill Pay will be available after account has been in good standing for 6 months.
If account is in good standing for one year you may request your account to be a Signature Account.
 Higher Interest Rate 
Online Account Opening~ Available
Available
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More Information Learn More Learn More Learn More --
 

Open a Checking Account online today!

Signature Checking     Seniority Checking     College Checking 

For other accounts listed, please visit a UBU branch location.
Find the nearest locations and ATMs here. 

 

Seniority Checking Account*

The account earns monthly interest at the current NOW account annual percentage yield if a minimum average daily balance of $500.00 is maintained. Interest is not paid if the average balance falls below $500.00. The Seniority Club features social activities, travel, special banking privileges, and a quarterly newsletter. No membership fee is required. Visit our Seniority Club page for more information. 

Teen Difference Checking Account**

Account holder must be between the ages of 13-17 and have a person age 18 or older's signature to open account.

Second Chance Account^

If you are currently on Check-Systems please call us at 636-583-2555 to find out if you are eligible for this account.

Money Market Checking Account^^

If the average balance falls below $1000.00 you will earn the current statement savings account rate. A balance exceeding $1000.00 earns interest according to a tiered balance schedule as provided in the account Truth-In-Savings disclosure.

Signature, Seniority, and College Checking Accounts are the only Checking Accounts currently available to open online. See Savings Accounts tab to open a Personal Savings Account online.



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